Software Engineer

Visa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive while driven by a common purpose - to uplift everyone, everywhere by being the best way to pay and be paid.

Make an impact with a purpose-driven industry leader. Join us today and experience Life at Visa.

Visa's Technology Organization is a community of problem solvers and innovators reshaping the future of commerce. We operate the world's most sophisticated processing networks capable of handling more than 65k secure transactions a second across 80M merchants, 15k Financial Institutions, and billions of everyday people. While working with us you'll get to work on complex distributed systems and solve massive scale problems centered on new payment flows, business and data solutions, cyber security, and B2C platforms.

The Opportunity:

We are looking for a versatile, curious, and motivatedAssociate Software Engineerto join the Visa Acceptance Platform - Integration team, a cross-functional engineering group within the broader Acceptance Solutions Technology organization. This team is responsible for building and scaling our global notification infrastructure, including webhook delivery, email and SMS delivery systems, subscription management tools, and developer-facing integration capabilities.

As an Associate Software Engineer, you will work closely with senior engineers to help deliver frictionless, scalable solutions that empower partners and the developer community to build and innovate on the Visa Acceptance Platform. You will contribute to the design, development, and operation of event-driven, fault-tolerant systems that support billions of transactions and enable real-time communication across Visa's ecosystem. Your work will directly support platform reliability, developer experience, and partner autonomy - with opportunities to learn modern technologies, contribute to high-impact projects, and grow your engineering skills in a global environment.

The Work itself:

• Contribute to the design, build, and evolution of systems that serve a global user base, supporting Visa's standards for scalability, security, and reusability.

• Assist in improving and modernizing existing platforms to meet performance, reliability, and integration demands across Visa's ecosystem.

• Help develop event-driven systems that power Visa's notification infrastructure, including webhook delivery, email and SMS delivery systems, and subscription management tools.

• Participate in implementing observability-first engineering practices and delivery guarantees.

• Learn and apply secure-by-design principles, following Visa's rigorous internal security standards and external regulatory requirements.

• Collaborate across teams to build best-in-class software solutions for Visa's global offerings.

• Assist in preparing platforms for global readiness, including localized and compliant messaging experiences.

• Support release management activities such as multi-region deployments, feature toggles, and rollback prevention.

• Gain exposure to AI-powered tools and workflows to enhance developer productivity, automation, and efficiency.

Essential Functions:

• Write clean, maintainable, and testable code under the guidance of senior engineers.

• Help implement APIs and backend services for real-time partner integrations.

• Follow secure coding practices and contribute to compliance efforts.

• Collaborate with cross-functional teams, including Product, TPMs, Solution Engineers, and SREs, to deliver integration solutions.

• Learn and apply AI-assisted development tools (GitHub Copilot, Cline Code, Cursor) in the product development lifecycle.

• Contribute to documentation, participate in code reviews, and follow established engineering standards.

• Assist in identifying and resolving technical issues in distributed systems.

The Skills You Bring:

• Learning Mindset- Eagerness to grow technical skills and learn from experienced engineers.

• Problem Solving- Ability to break down problems and work toward solutions with guidance.

• Language Foundations- Basic proficiency in one or more programming languages (Java, Go, C++, C#) with the ability to learn new technologies quickly.

• Builder Mindset- Experience from internships, projects, or coursework building and testing applications with attention to scalability and reliability.

• Full-Stack Curiosity- Interest in contributing to front-end development using frameworks like React or Angular.

• Systems Awareness- Understanding of distributed systems concepts and messaging platforms (Kafka, RabbitMQ) at a foundational level.

• Secure-by-Design Approach- Awareness of security best practices in development and deployment.

• AI Enablement- Interest in integrating AI into the development lifecycle using GenAI tooling, intelligent automation, or workflow enhancements.

• Collaboration- Ability to work effectively within Agile/Scrum teams across hybrid, cross-regional environments.

• Continuous Learner- Desire to stay up to date on emerging technologies such as Kubernetes, Docker, Argo CD, GitHub Actions, and AI-assisted coding tools.

This is a hybrid position. Expectation of days in office will be confirmed by your Hiring Manager.

Basic Qualifications

- Bachelor's degree, OR 3+ years of relevant work experience

- Exposure to backend development using Java or similar objectoriented languages through internships, academic projects, or professional experience.

Preferred Qualifications

- Backend Development - Exposure to backend development using Java, Go, C++, or similar objectoriented languages, familiarity with concepts such as delivery guarantees (e.g., zero message loss, exactlyonce processing) is a plus.

- Databases and Data Management - Experience working with relational databases (Oracle, MySQL, SQL Server/MSSQL) or NoSQL databases (MongoDB) in coursework, projects, or internships.

- Messaging and Distributed Systems - Awareness of distributed systems or eventdriven architectures and exposure to messaging platforms such as Kafka or RabbitMQ.

- Cloud and Containerization - Familiarity with cloud platforms (AWS, Azure, GCP) and containerization/orchestration technologies (Docker, Kubernetes, OpenShift) through coursework or personal projects.

- APIs and Integration - Experience building or consuming REST APIs, familiarity with GraphQL or gRPC and API gateways/service meshes (Istio, Linkerd) is a plus.

- Observability and Monitoring - Exposure to observability practices and monitoring/tracing tools (Prometheus, Grafana, ELK, OpenTelemetry).

- CI/CD and DevOps - Experience building simple CI/CD pipelines or using deployment automation tooling such as GitHub Actions, Jenkins, or Argo CD.

- AI and Developer Productivity - Exposure to AI technologies (GenAI tooling, intelligent automation, NLP) to enhance developer workflows or platform capabilities, familiarity with tools like GitHub Copilot, Cline Code, or Cursor through coursework, internships, or personal projects.

- Application and Infrastructure Security - Awareness of application security principles, common vulnerabilities (OWASP Top 10), and secure coding best practices, familiarity with tools such as Checkmarx or Parasoft is a plus.

- Agile Delivery & Release Management - Experience working in Agile/Scrum environments, including collaborating with Product to refine requirements, create user stories, and contribute to backlog prioritization, exposure to multiregion deployment concepts and feature toggles is a plus.

Work Hours: Varies upon the needs of the department.

Travel Requirements: This position requires travel5-10% of the time.

Mental/Physical Requirements: This position will be performed in an office setting. The position will require the incumbent to sit and stand at a desk, communicate in person and by telephone, frequently operate standard office equipment, such as telephones and computers.

Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.

Visa will consider for employment qualified applicants with criminal histories in a manner consistent with applicable local law, including the requirements of Article 49 of the San Francisco Police Code.

U.S. APPLICANTS ONLY: The estimated salary range for a new hire into this position is to USD per year,88,000 to 124,700 which may include potential sales incentive payments (if applicable). Salary may vary depending on job-related factors which may include knowledge, skills, experience, and location. In addition, this position may be eligible for bonus and equity. Visa has a comprehensive benefits package for which this position may be eligible that includes Medical, Dental, Vision, 401 (k), FSA/HSA, Life Insurance, Paid Time Off, and Wellness Program.